Zinc oxide sunscreen
Zinc oxide sunscreen is eligible for HSA, FSA, and HRA if it is used to treat a specific medical condition and is substantiated with a Letter of Medical Necessity (LMN) from a healthcare provider.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The sunscreen must be used to treat a specific diagnosed medical condition, not for general health or cosmetic purposes.
A Letter of Medical Necessity from a licensed healthcare provider is required, stating the medical condition and why zinc oxide sunscreen is necessary for its treatment.
Quick Reference
The IRS considers amounts paid for sunscreen as medical expenses only if the sunscreen is used to treat a medical condition. Sunscreen used solely to prevent sunburn or for general health and cosmetic purposes is not considered a medical expense. Therefore, for zinc oxide sunscreen to be eligible, it must be specifically recommended by a doctor to treat a diagnosed skin condition or other medical issue exacerbated by sun exposure.
When It Qualifies
- •Must be used to treat a specific diagnosed medical condition (e.g., photosensitivity due to a medical condition, severe skin allergies, or post-procedure care where sun exposure is detrimental to healing).
- •Requires a Letter of Medical Necessity (LMN) from a licensed healthcare provider.
When It Doesn't
- •Use for general sun protection or prevention of sunburn without a specific medical condition.
- •Cosmetic purposes.
Similar Items
Official Source
IRS Publication 502 (2024)
Sunscreen
View on IRS.gov
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While this information is based on IRS guidelines, specific plan administrators may have varying requirements. Always retain detailed receipts and documentation, such as a Letter of Medical Necessity, for your records. This information is for educational purposes only and does not constitute tax or legal advice.